Major Rating Factors:
A current level of 10.0 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 49.5 percent and a “hot money” ratio of 1.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (47%), other (53%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
One Texoma Boulevard
Fritch, TX 79036
Fritch, TX 79036
Phone Number
(806) 857-3319
NCUA Charter Number
Website
Largest Competitors
Live Oak, TX
San Antonio, TX
Fort Worth, TX
Lake Jackson, TX
Corpus Christi, TX